B 2 B CONSULT-banking: what changed
B 2 B CONSULT-banking
Largest movements
- Receivables after one year +€5,955
up €5,955 (+5.9%), from €100,742 to €106,697
- Cash -€5,860
down €5,860 (-96.5%), from €6,072 to €212
mainly Receivables after one year (-€5,955) and Tax, wage and social debts (-€2,082)
- Tax, wage and social debts -€2,082
down €2,082 (-68.6%), from €3,034 to €952
- Profit (loss) carried forward +€1,875
up €1,875 (+417%), from €450 to €2,325
- Gross operating margin +€7,562
up €7,562, from -€6,669 to €892
- Taxes +€347
up €347 (+57.4%), from €605 to €952
- Financial income +€197
up €197 (+6.8%), from €2,913 to €3,110
- Financial charges -€81
down €81 (-24.4%), from €331 to €250
of which Financial charges: -€81
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €115,038 | €114,479 | -€558 | -0.5% |
| Current assets | 29/58 | €115,038 | €114,479 | -€558 | -0.5% |
| Amounts receivable after more than one year | 29 | €100,742 | €106,697 | +€5,955 | +5.9% |
| Other amounts receivable | 291 | €100,742 | €106,697 | +€5,955 | +5.9% |
| Amounts receivable within one year | 40/41 | €4,028 | €3,969 | -€59 | -1.5% |
| Trade receivables | 40 | €3,380 | €3,026 | -€354 | -10.5% |
| Other amounts receivable | 41 | €647 | €943 | +€295 | +45.6% |
| Cash at bank and in hand | 54/58 | €6,072 | €212 | -€5,860 | -96.5% |
| Deferred charges and accrued income | 490/1 | €4,196 | €3,602 | -€594 | -14.1% |
| Total equity and liabilities | 10/49 | €115,038 | €114,479 | -€558 | -0.5% |
| Equity | 10/15 | €108,562 | €110,437 | +€1,875 | +1.7% |
| Contributions | 10/11 | €17,353 | €17,353 | = | 0.0% |
| Reserves | 13 | €90,760 | €90,760 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €88,900 | €88,900 | = | 0.0% |
| Profit (loss) carried forward | 14 | €450 | €2,325 | +€1,875 | +417% |
| Amounts payable | 17/49 | €6,475 | €4,042 | -€2,433 | -37.6% |
| Amounts payable within one year | 42/48 | €6,475 | €4,042 | -€2,433 | -37.6% |
| Trade debts | 44 | €3,441 | €3,090 | -€351 | -10.2% |
| Suppliers | 440/4 | €3,441 | €3,090 | -€351 | -10.2% |
| Taxes, remuneration and social security | 45 | €3,034 | €952 | -€2,082 | -68.6% |
| Taxes | 450/3 | €3,034 | €952 | -€2,082 | -68.6% |
| Other operating charges | 640/8 | €894 | €925 | +€31 | +3.5% |
| Non-recurring operating charges | 66A | €0 | - | = | |
| Gross operating margin | 9900 | -€6,669 | €892 | +€7,562 | |
| Operating profit (loss) | 9901 | -€7,564 | -€33 | +€7,531 | +99.6% |
| Financial income | 75/76B | €2,913 | €3,110 | +€197 | +6.8% |
| Recurring financial income | 75 | €2,913 | €3,110 | +€197 | +6.8% |
| Financial charges | 65/66B | €331 | €250 | -€81 | -24.4% |
| Recurring financial charges | 65 | €331 | €250 | -€81 | -24.4% |
| Non-recurring financial charges | 66B | €0 | - | = | |
| Profit (loss) for the period before taxes | 9903 | -€4,981 | €2,827 | +€7,808 | |
| Income taxes | 67/77 | €605 | €952 | +€347 | +57.4% |
| Profit (loss) for the period | 9904 | -€5,586 | €1,875 | +€7,461 | |
| Profit (loss) for the period to be appropriated | 9905 | -€5,586 | €1,875 | +€7,461 |
Next steps
Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 3 November 2026 via checked.be.